Earn a premium selling USDC to peers
Makers on Peer deposit USDC into onchain escrow, set their own rate, and get paid when buyers take their offers. The earning is the spread you set: buyers pay a premium for the speed and simplicity of buying with a payment app they already have. There are no promised returns, and on days without buyer demand you may earn nothing.
How makers earn
You deposit USDC into an onchain escrow contract and set your rate, or let automated rate management price your deposit against the market. Buyers browse offers in the Peer app and pick yours when your combination of payment method, currency, and rate wins.
When a buyer takes your offer, they send you a normal payment on the app you chose; the fiat lands directly in your own account. The payment is verified privately, escrow releases the USDC to the buyer, and you keep the fiat plus the spread you set.
Where the premium comes from
Buyers on Peer are paying for convenience: getting USDC with an everyday payment app, no exchange onboarding, and no custodial account. Sellers provide that convenience and price it. The premium is a market outcome, set by peers competing for order flow, not a product feature with an advertised number.
What to expect, honestly
Earnings depend on your rate and on buyer demand for your payment methods and currencies. Price too high and your deposit fills slowly or not at all; some days you may earn zero. The spread is the whole story: your USDC is not lent out or put to work anywhere else while it sits in escrow.
Seller Autopilot: an enclave can verify buyer payments automatically, so releases do not wait on you being online. Before you start, read the risk overview in the support center.
Earn FAQs
How do I start supplying USDC on Peer?
Open the Peer app, create a deposit with the USDC you want to sell, choose the payment methods and currencies you can receive, and set your rate. Your offer goes live to buyers once your deposit confirms onchain.
What do I earn as a maker?
The spread you set: the difference between your rate and what the USDC is worth to you. Buyers pay that premium for the speed and simplicity of paying with an everyday app. Nothing is promised, and on days without buyer demand you may earn zero.
Is supplying liquidity custodial?
No. Your USDC sits in an onchain escrow contract until a buyer's payment is verified, then releases to the buyer while the fiat lands directly in your payment app account. Peer never holds your funds.
Do I have to be online to release funds?
Not necessarily. Seller Autopilot lets an enclave verify buyer payments automatically, so releases do not wait on you being online. You can also verify and release manually.
Are there risks to providing liquidity?
There are trade-offs: your USDC is committed to escrow while offers are open, and order flow depends on buyer demand for your payment methods, currencies, and rate. Read the risk overview in the Peer support center before you start.